{
  "canonical_url": "https://lendb.ai/lo/timothy-smith-1525200",
  "loan_officer": {
    "nmls_id": 1525200,
    "slug": "timothy-smith-1525200",
    "canonical_url": "https://lendb.ai/lo/timothy-smith-1525200",
    "md_url": "https://lendb.ai/lo/timothy-smith-1525200.md",
    "json_url": "https://lendb.ai/lo/timothy-smith-1525200.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1525200",
    "full_name": {
      "value": "Tim Smith",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
      "verified_at": "2026-10-15"
    },
    "first_name": "Tim",
    "last_name": "Smith",
    "headshot_url": null,
    "bio": {
      "value": "Tim Smith started a mortgage lending career after graduating in June 2012 with a bachelor's in finance from DePaul University. They worked four years as an underwriter before moving into renovation lending in 2016. Their profile says they gained experience with renovation loans, FHA, conventional and jumbo products.",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Production & Development Specialist",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 1598647,
      "lender_name": "Guaranteed Rate Affinity, LLC",
      "lender_slug": "guaranteed-rate-affinity-llc-1598647",
      "branch_city": "Chicago",
      "branch_state": "IL",
      "branch_zip": "60616",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1598647,
        "lender_name": "Guaranteed Rate Affinity, LLC",
        "lender_slug": "guaranteed-rate-affinity-llc-1598647",
        "branch_city": "Chicago",
        "branch_state": "IL",
        "branch_zip": "60616",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO84011",
        "status": "expired",
        "issued_at": "2021-03-16",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2012",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Bachelor's in finance, DePaul University",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Mortgage underwriter for four years before renovation lending",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Moved into renovation lending in 2016",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 09:00:48.874185+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/timothy-smith-1525200#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/tim-smith-1525200",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2021-03-16",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2021,
      "state": "FL"
    },
    "federal_registration": null
  }
}